/* ------------------- RESET / BASE ------------------- */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: "Source Sans 3", Red Hat Fallback, system-ui, -apple-system,
    BlinkMacSystemFont, "Segoe UI", Helvetica Neue, Arial, sans-serif;
  background: #f9f9f9;
  color: #101c27;
  line-height: 1.5;
  text-align: center;
}

a {
  text-decoration: none;
  color: inherit;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

ul {
  list-style: none;
}

button {
  cursor: pointer;
  font-family: inherit;
  border: none;
  outline: none;
}

/* Default paragraph color (can be overridden in sections) */
p {
  color: #626262;
}

/* ------------------- CONTAINER ------------------- */
.container {
  width: 1170px;
  max-width: 95%;
  margin: 0 auto;
  padding: 0 15px;
}

/* ------------------- HEADER ------------------- */
header {
  padding: 15px 0;
  background: #fff;
  border-bottom: 1px solid rgba(0, 0, 0, 0.1);
  position: relative;
  z-index: 100;
}

header .header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
}

header .logo img {
  max-width: 100px;
}

header .top_strip_content {
  font-size: 16px;
  color: #101c27;
  white-space: nowrap;
}

header .top_strip_content #dynamic-number {
  font-weight: 700;
  color: #ed2326;
}

@media (max-width: 767px) {
  header .header-inner {
    flex-direction: column;
    align-items: center;
    gap: 10px;
  }

  header .top_strip_content {
    text-align: center;
    font-size: 14px;
  }
}

/* ------------------- HERO ------------------- */
.hero {
  width: 100%;
  padding: 40px 0;
  background: linear-gradient(180deg, #f6f9fd 0%, #f2f6fb 100%);
}

.hero .container.hero-inner {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr);
  gap: 40px;
  align-items: center;
}

.hero-left {
  display: flex;
  flex-direction: column;
  gap: 18px;
  text-align: left;
}

.hero-left-content h1 {
  font-size: 48px;
  line-height: 56px;
  font-weight: 700;
  margin-bottom: 12px;
  color: #072c50;
}

.hero-left-content p {
  font-size: 20px;
  line-height: 28px;
  margin-bottom: 0;
  color: #626262;
  max-width: 560px;
}

.hero-image {
  width: 100%;
  max-width: 640px;
}

.hero-image img {
  width: 100%;
  border-radius: 14px;
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.12);
}

.hero-right {
  display: flex;
  justify-content: center;
  align-items: center;
}

/* quote-box had duplicates; keep a single definition */
.quote-box {
  width: 100%;
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.08);
  padding: 40px;
  max-width: 720px;
  margin: 0 auto;
}

@media (max-width: 1024px) {
  .hero .container.hero-inner {
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    gap: 24px;
  }

  .hero-left-content h1 {
    font-size: 38px;
    line-height: 46px;
  }

  .hero-left-content p {
    font-size: 18px;
    line-height: 26px;
  }

  .quote-box {
    max-width: 420px;
    padding: 28px;
  }
}

@media (max-width: 767px) {
  .hero .container.hero-inner {
    grid-template-columns: 1fr;
  }

  .hero-right {
    order: 1;
  }
  .hero-left {
    order: 2;
  }

  .hero-left {
    display: flex;
    flex-direction: column;
  }
  .hero-left-content {
    order: 1;
  }
  .hero-image {
    order: 2;
  }
}

/* ------------------- QUOTE FORM ------------------- */
@keyframes fadeIn {
  0% {
    opacity: 0;
    transform: translateY(20px);
  }
  100% {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes fadeOut {
  0% {
    opacity: 1;
    transform: translateY(0);
  }
  100% {
    opacity: 0;
    transform: translateY(-20px);
  }
}

.quote-progress {
  display: flex;
  justify-content: space-between;
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 10px;
  color: #101c27;
}

.progress-bar {
  width: 100%;
  height: 10px;
  background: #e5e5e5;
  border-radius: 20px;
  overflow: hidden;
  margin-bottom: 40px;
}

.progress-fill {
  height: 100%;
  background: #63a63b;
  width: 0;
  transition: width 0.3s ease;
}

.quote-step {
  display: none;
  opacity: 0;
  transition: opacity 0.5s ease, transform 0.5s ease;
}

.quote-step.active {
  display: block;
  animation: fadeIn 0.5s ease forwards;
}

.quote-step h2 {
  font-size: 36px;
  font-weight: 700;
  margin-bottom: 40px;
  color: #072c50;
}

.option-cards {
  display: flex;
  gap: 20px;
  justify-content: center;
  flex-wrap: wrap;
}

.option-card {
  flex: 1;
  min-width: 260px;
  padding: 30px;
  border-radius: 14px;
  border: 2px solid #d9d9d9;
  background: #fff;
  font-size: 18px;
  font-weight: 600;
  text-align: center;
  cursor: pointer;
  color: #626262;
  transition: background 0.2s ease, color 0.2s ease, box-shadow 0.2s ease,
    transform 0.2s ease;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.05);
}

.option-card:hover {
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.25);
  transform: translateY(-3px);
}

.option-card:active {
  background: #121212;
  color: #fff;
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.35);
  transform: translateY(0);
  transition: all 0.15s ease;
}

@media (max-width: 767px) {
  .quote-step h2 {
    font-size: 26px;
  }
}

/* ------------------- TRUSTPILOT SECTION ------------------- */
.trustpilot {
  background: #fff;
  padding: 60px 15px;
  text-align: center;
  border-top: 1px solid rgba(0, 0, 0, 0.06);
}

.trustpilot h2 {
  font-size: 36px;
  margin-bottom: 40px;
  font-weight: 700;
  color: #072c50;
}

.provider-logos {
  display: flex;
  flex-wrap: wrap;
  gap: 18px 28px;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  max-width: 980px;
}

.provider-logos img {
  height: 34px;
  width: auto;
  max-width: 170px;
  opacity: 0.95;
}

.trustpilot-copy {
  max-width: 920px;
  margin: 0 auto;
  font-size: 16px;
  line-height: 1.65;
  color: #3a4756;
}

@media (max-width: 767px) {
  .trustpilot {
    padding: 40px 15px;
  }

  .trustpilot h2 {
    font-size: 24px;
  }

  .provider-logos img {
    height: 28px;
    max-width: 150px;
  }

  .trustpilot-copy {
    font-size: 15px;
  }
}

/* ------------------- REAL-TIME QUOTE TABLE ------------------- */
.quote_sec {
  padding: 60px 15px;
  background: #fff;
  text-align: center;
}

.quote_sec h2 {
  font-size: 36px;
  margin-bottom: 40px;
  font-weight: 700;
  color: #072c50;
}

.quote_wrapper {
  overflow-x: auto;
  margin: 0 auto;
  max-width: 100%;
  -webkit-overflow-scrolling: touch;
  padding-bottom: 10px;
}

.quote_table {
  width: 100%;
  max-width: 800px;
  margin: 0 auto;
  border-collapse: collapse;
  min-width: 600px;
}

.quote_table th,
.quote_table td {
  padding: 15px;
  border-bottom: 1px solid #e0e0e0;
  font-size: 16px;
  text-align: left;
}

.quote_table th {
  background: #e5e5e5;
  color: #101c27;
  font-weight: 600;
}

.quote_table tr:nth-child(even) {
  background: #f9f9f9;
}

.blur {
  filter: blur(6px);
}

@media (max-width: 767px) {
  .quote_table {
    min-width: 500px;
    font-size: 14px;
  }

  .quote_sec h2 {
    font-size: 24px;
  }
}

/* ------------------- CUSTOMER REVIEWS ------------------- */
.reviews {
  padding: 60px 0;
  background: #f9f9f9;
}

.reviews h2 {
  font-size: 36px;
  font-weight: 700;
  margin-bottom: 20px;
  color: #072c50;
}

.reviews p.subtitle {
  font-size: 18px;
  color: #3a4756;
  margin-bottom: 40px;
}

.review-cards {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
  justify-content: center;
}

.review-card {
  background: #fff;
  padding: 30px;
  border-radius: 12px;
  box-shadow: 0 6px 18px rgba(0, 0, 0, 0.08);
  max-width: 300px;
  text-align: left;
  transition: transform 0.2s;
}

.review-card:hover {
  transform: translateY(-5px);
}

.review-card .stars {
  margin-bottom: 10px;
  color: #ed2326;
}

.review-card p {
  font-size: 16px;
  margin-bottom: 15px;
}

.review-card .reviewer {
  font-weight: 600;
  color: #101c27;
}

.review-card .reviewer span {
  font-weight: 400;
  color: #6c7a89;
  display: block;
  font-size: 14px;
}

@media (max-width: 767px) {
  .reviews h2 {
    font-size: 24px;
  }
}

/* ------------------- FOOTER ------------------- */
footer {
  background: #121212;
  padding: 50px 0;
  font-size: 14px;
  color: #fff;
}

footer a {
  color: #fff;
  margin: 0 5px;
}

footer .footer-links {
  margin-bottom: 20px;
}

.footer-legal {
  margin-top: 30px;
  font-size: 12px;
  color: #fff;
  line-height: 1.5;
  text-align: left;
}

.footer-legal strong,
.footer-legal p,
.footer-legal a {
  color: #fff;
}

.footer-legal ul {
  margin: 10px 0 15px 20px;
  padding: 0;
}

.footer-legal ul li {
  margin-bottom: 5px;
}

.footer-legal a {
  text-decoration: underline;
}

@media (max-width: 767px) {
  .footer-legal {
    font-size: 11px;
  }
}

/* ------------------- APPLY NOW CTA ------------------- */
.apply-cta {
  background: #fff;
  padding: 60px 15px;
  text-align: center;
}

.apply-cta h2 {
  font-size: 36px;
  font-weight: 700;
  color: #072c50;
  margin-bottom: 10px;
}

.apply-cta p {
  font-size: 18px;
  color: #6c7a89;
  margin-bottom: 30px;
}

.apply-btn {
  display: inline-block;
  padding: 18px 40px;
  background: #ed2326;
  color: #fff;
  font-size: 18px;
  font-weight: 700;
  border-radius: 50px;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.apply-btn:hover {
  transform: translateY(-3px);
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.3);
}

@media (max-width: 767px) {
  .apply-cta h2 {
    font-size: 26px;
  }

  .apply-cta p {
    font-size: 16px;
  }

  .apply-btn {
    width: 100%;
    max-width: 320px;
  }
}

/* ------------------- GLOBAL PAGE STYLES ------------------- */
.page-section {
  padding: 60px 15px;
  background: #f9f9f9;
  text-align: center;
}

.page-section h1 {
  font-size: 36px;
  font-weight: 700;
  margin-bottom: 30px;
  color: #072c50;
  text-align: left;
}

.page-section h2 {
  font-size: 28px;
  font-weight: 600;
  margin-top: 40px;
  margin-bottom: 20px;
  color: #072c50;
  text-align: left;
}

.page-section p,
.page-section ul li {
  font-size: 16px;
  color: #3a4756;
  line-height: 1.6;
  text-align: left;
}

.page-section p {
  margin-bottom: 20px;
}

.page-section ul {
  list-style: disc;
  margin: 20px auto 20px 25px;
  text-align: left;
  max-width: 800px;
}

.page-section ul li {
  margin-bottom: 10px;
}

/* ------------------- FAQ ACCORDION ------------------- */
.faqs .accordion-item {
  margin-bottom: 15px;
  border-radius: 8px;
  border: 1px solid #ddd;
  overflow: hidden;
}

.faqs .accordion-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  width: 100%;
  background: #f7f7f7;
  padding: 15px 20px;
  font-weight: 600;
  font-size: 18px;
  cursor: pointer;
  border: none;
  outline: none;
  transition: background 0.2s ease;
}

.faqs .accordion-question:hover {
  background: #e5e5e5;
}

.faqs .accordion-question-button {
  background: none;
  border: none;
  font: inherit;
  cursor: pointer;
  text-align: left;
  width: 100%;
  padding: 0;
}

.faqs .accordion-question .arrow {
  transition: transform 0.3s ease;
}

.faqs .accordion-item.active .arrow {
  transform: rotate(180deg);
}

.accordion-answer-wrapper {
  height: 0;
  overflow: hidden;
  transition: height 0.3s ease;
  background: #fff;
}

.accordion-answer {
  padding: 15px 20px;
  margin: 0;
  font-size: 16px;
  line-height: 1.5;
  color: #3a4756;
}

@media (max-width: 767px) {
  .faqs .accordion-question {
    font-size: 16px;
    padding: 12px 16px;
  }

  .accordion-answer {
    padding: 12px 16px;
  }
}

/* ------------------- POLICY TYPES CARDS ------------------- */
.policy-cards {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  justify-content: center;
  margin-top: 30px;
}

.policy-card {
  flex: 1 1 250px;
  background: #fff;
  padding: 30px;
  border-radius: 14px;
  box-shadow: 0 6px 18px rgba(0, 0, 0, 0.08);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  text-align: left;
}

.policy-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.15);
}

.policy-card h2 {
  color: #072c50;
  font-size: 24px;
  margin-bottom: 15px;
}

.policy-card p {
  font-size: 16px;
  line-height: 1.5;
}

/* ------------------- RESPONSIVE (GENERAL) ------------------- */
@media (max-width: 1024px) {
  .page-section h1 {
    font-size: 32px;
  }

  .page-section h2 {
    font-size: 24px;
  }

  .contact-form input,
  .contact-form textarea {
    font-size: 15px;
  }
}

@media (max-width: 767px) {
  .page-section {
    padding: 40px 15px;
  }

  .page-section h1 {
    font-size: 28px;
  }

  .page-section h2 {
    font-size: 20px;
  }

  .policy-cards {
    flex-direction: column;
    align-items: center;
  }

  .contact-form {
    width: 100%;
  }

  .contact-form input,
  .contact-form textarea {
    font-size: 14px;
  }

  .cta-btn {
    width: 100%;
  }

  .review-cards,
  .insurance-cards {
    flex-direction: column;
    align-items: center;
  }
}